碩士 / 中華大學 / 經營管理研究所 / 95 / As the banks focus on the loan to transfer from commercial loan to consumer loan gradually, the banking of consumer loan made boththe banks and the economy growth to bring the effect directly. However increasing the banking of consumer loan simultaneously, it also betrays to the critical problems what the borrower default on loan gradually. Therefore this paper main discussion influence of money attitude toward consumer loan default behavior, and combined the money attitudes and demographic of borrower to establish the pre-warning model for Discriminant analysis, Logistic regression, Neural networks and DEA-DA , developed a set suitable to the pre-warning model for consumer loan defaulted behavior in Taiwan.
This study collected the consumer loan data from financial institutions in the Taiwan; we found the money attitudes would affect default behavior throuht the experimental analysis, specially money of attitudes for anxious and maintenance — retention of borrorwer. Moreover, using the basic attributes and money attitudes for immediate information constructed the models, reached above 75% correct rate in four kinds of models, and has the better forecast ability by DEA-DA and neural network model, the sensitivity may reach 80% also the forecast hit rate reaches as high as 94%, this for this article obtained effective pre-warning model. These findings may provide a correct and immediate efficiency pre-warning model for financial industry, also may let the borrower and financial industry understand the importance of money attitudes, raise correct money attitudes improvement expense custom, reduces occurrence the default behavior
| Identifer | oai:union.ndltd.org:TW/095CHPI0457020 |
| Date | January 2007 |
| Creators | Yan-Ping Lin, 林燕萍 |
| Contributors | Shu-Ping Lin, 林淑萍 |
| Source Sets | National Digital Library of Theses and Dissertations in Taiwan |
| Language | zh-TW |
| Detected Language | English |
| Type | 學位論文 ; thesis |
| Format | 0 |
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